Group Health • Disability • Life • Long Term Care • Dental
Group Health, Disability, Life, Long Term Care & Dental
Group Health • Disability • Life • Long Term Care • Dental
Group health insurance plans provide coverage to a group of members, usually made up of company employees or members of an organization. Members will usually receive insurance at a reduced cost because the insurer’s risk is spread across a group of policyholders. These plans are purchased by companies or organizations and then offered to their employees or members. They usually require a certain percentage of participation to be valid.
Disability Insurance protects your income which is your greatest asset. If you ever have and injury or illness that prevents you from working, this type of insurance will pay a portion of your monthly income. Having a disability insurance policy will help to protect you and your loved ones who may depend on your paycheck. Disability insurance benefits let you use the money however you see fit, from bills, groceries, daycare and out-of-pocket medical expenses.
Life insurance can be used to help with final expenses once you pass away. These expenses may be funeral or cremation costs, outstanding medical bills that weren't covered by insurance, estate settlements and other bills. There are a few types of life insurance options, including whole life, term or variable options. Contact us today to learn more.
Long term care insurance is setup to cover long term care, such as nursing homes, home health care and personal or adult daycare for senior citizens. Traditional long term care policies work much like auto or home insurance policies: You pay premiums, usually for as long as the policy is in effect, and make claims if you ever need the covered services.
Dental care has long been separate from health insurance. Dental insurance will help with the cost of dental work and cleanings needed. There are different types of dental plans, some which will have you pay more out of pocket than others. Find the right dental plan for you and your family by contacting us.
"F&F Insurance Services helped me find the best Dental Plan for me and my family. My job doesn't offer dental and we were paying so much out of pocket, but now we can get cleanings without worrying about the cost."
"My wife and I decided to set up a life insurance plan after we had our first child this past year. We feel a sense of relief now that we have a plan in place"
F&F Insurance Services provides a broad range of insurance products to ensure the client selects the best that fits their needs and budget. We work with our clients to ensure their understanding of what the policies offer. We are continuously educating ourselves on industry, new insurance products and new markets available to make sure our clients have the best coverage.
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